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Home Loans

Charles Motley

Loan Officer & Central Coast Manager at Geneva Financial, LLC
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Home Loans

About Me

Charles Motley03

NMLS License #218932

NMLS Consumer Access

Born and raised on the Central Coast, I have over 22 years sales and management experience, over 10 yrs in mortgage financing. Prior to joining the finance industry I worked in the field of telecommunications, serving as Executive Director of Sales for a telephone/data company based in Simi Valley, CA.

“Because I love working with numbers and helping people…this is the perfect business for me!”

Loans will be arranged or made pursuant to a California Lenders License LIC:CA-DBO603G564 NMLS:42056

Phone Number:


2125 S. Broadway Suite 111

Santa Maria, CA 93454

Social Profiles:

Geneva Team Santa Maria

For your purchase or refinance we’ll cover some basic qualifying questions to determine your goals, or we can even do this by phone in about 15 minutes. With your permission, I’ll review your credit profile and share details, including your credit scores.

Based on your individual scenario, we’ll discuss any documentation needed to complete your application. We’ll want to schedule an appropriate amount of time to discuss product and pricing options.    There will be some paperwork to get through, but our Electronic-Signature (E-sign) process makes things easy.

If you are in the market to purchase a home, I’m happy to work with any real estate agent you choose, or even assist you in finding a qualified professional.

Once I have the information needed, qualified applicants can expect to receive a pre-approval letter within 24-48 hours. Same day pre-qualifications may also be possible.

Steps to completing a mortgage loan include…  APPLICATION, DISCLOSING, PROCESSING, UNDERWRITING, LOAN-SIGNING, FUNDING, & CLOSING…  all of which takes approximately 25-45 days.

Please be prepared to provide these basic items

  • -IRS Tax Returns & W2 Income Statements (most recent two years)
  • -Bank Statements (most recent two months)
  • -Paystubs, if W2 employee (most recent 30 days)
  • -Copy of valid Drivers License & Social Security Card (or other proof of legal US residency)